I've always been interested in finance, at least since my grandfather bought me a piggy bank. As a child, they sent me out to buy things like bread or milk and let me keep the change. I made a small fortune with which I bought my first bicycle. This is more or less what neobanks are doing now with rounding up. As you can see, they're innovating a lot, haha.
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When I got older, I became more interested in investing than in saving, and since I like to measure things, I first learned about all the possibilities available back then. One thing I found interesting was that investing in equities was very simple, with relatively low costs and an accessible investment for any budget. But that wasn't the case with fixed income.
In fixed income, you had to limit yourself to bank deposits or savings accounts with varying limitations. But investing in repos, bills, or bonds was and is only for the rich. Most bonds, even today, are in blocks of 100,000 euros. I've never understood why this difference exists. Now, with asset tokenization, it seems possible that this differentiation will end and everyone will be able to access these types of assets.